Bank of Hancock County: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 9.1% lower than in Q1 2026, at $15.3M. Bank of Hancock County has the 3rd lowest loan-to-deposit ratio of the 122 banks headquartered in Georgia, at 24.48% as of Q2 2026. Bank of Hancock County's loan-to-deposit ratio of 24.48% is well below the 67.92% median for banks in the < $100M asset tier, a gap of 43.44 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 24.48% |
| Net loans and leases to deposits | 23.53% |
| Loans and leases to core deposits | 25.40% |
| Core deposits to total deposits | 96.39% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 37.68% | 98.52% | $0 | $0 |
| Q4 2023 | 32.66% | 98.98% | $0 | $0 |
| Q1 2024 | 32.97% | 98.56% | $0 | $0 |
| Q2 2024 | 34.18% | 97.44% | $0 | $0 |
| Q3 2024 | 34.96% | 96.65% | $0 | $0 |
| Q4 2024 | 26.09% | 96.88% | $0 | $0 |
| Q1 2025 | 28.04% | 96.92% | $0 | $0 |
| Q2 2025 | 27.17% | 96.82% | $0 | $0 |
| Q3 2025 | 29.92% | 97.01% | $0 | $0 |
| Q4 2025 | 26.93% | 97.21% | $0 | $0 |
| Q1 2026 | 24.54% | 96.74% | $0 | $0 |
| Q2 2026 | 24.48% | 96.39% | $0 | $0 |
Bank of Hancock County liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hancock County, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Hancock County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10057) · FFIEC NIC profile (RSSD 37)